What to do after a denied insurance claim
Published May 21, 2026
Short answer
What should I do if my insurance claim is denied?
Get the denial in writing and find the exact reason and the policy language the insurer relied on. Compare that with your own policy, gather any missing documents, and ask the insurer to reconsider or follow its appeal process before any deadline in the letter. If you believe the claim was handled unfairly, you can file a complaint with your state insurance department. For large or complex disputes, consider a licensed public adjuster or an attorney.
Sources: NAIC — How to file a complaint and research complaints against insurance carriers · Reviewed Sep 13, 2026
A denial can feel final, but many denials are reversed on appeal — especially when you respond methodically and on time.
Start by reading the denial letter closely; it must state the reason and your appeal rights and deadlines. Common reasons include missing documentation, a coverage exclusion, or a dispute over the cause of damage.
Gather evidence that addresses the stated reason — photos, receipts, expert estimates, or a letter from a professional. File a written appeal before the deadline and keep copies of everything.
If the appeal fails, you can file a complaint with your state department of insurance, and for larger disputes consider a public adjuster or attorney.
Frequently asked questions
＋ How long do I have to appeal a denied claim?
Deadlines vary by policy and claim type and are stated in the denial letter. Act quickly — missing the deadline can end your options.
＋ Can my state insurance department overturn a denial?
They cannot force a payment, but they will ask your insurer to justify the decision, which frequently resolves disputes in the consumer's favor.
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Educational content only — not legal, financial, or insurance advice. Requirements and pricing vary by state.